Spray foam insulation problems? We remove it. Lenders approve it.
If spray foam insulation is blocking your house sale, mortgage or remortgage, you're not stuck. We remove the foam to lender standard, provide all the documentation your surveyor and mortgage provider need, and issue a removal certificate backed by a full evidence pack. Same-day reply, written guarantee, no-fix-no-fee.
- Removed to lender standard
- Fully insured £5M PL
- Same-day quote
- No-fix-no-fee guarantee
Meet our premium contractor
Read the transcript
Spray foam removal is specialist work, and choosing who to trust with your home matters. Remove Spray Foam is the UK's largest dedicated spray foam removal company. We completed more than 1,800 removals in 2025 alone, supported by a team with over 20 years of combined experience. Our customers rate us 9.74 out of 10 across more than 140 Checkatrade reviews. We are approved by both Checkatrade and TrustATrader. For additional peace of mind, our work is covered by £5 million of public liability insurance. We protect your property, remove and dispose of the spray foam, repair any damage found and can install brand new insulation. Once the work is complete, the loft is thoroughly inspected and you receive a completion certificate for your records. There is no deposit or upfront payment required. From September 2026, the Property Care Association have begun regulating the spray foam removal industry. Remove Spray Foam Limited is one of a select number of companies invited by the PCA to help shape the new standards and become one of the UK's first PCA approved spray foam removal specialists. Proven experience, independent reviews, comprehensive protection. That is why thousands of homeowners have chosen Remove Spray Foam.
Why book them through Go Green Quote?
- Same price as going direct. You pay the contractor's own quote. We don't add a margin on top.
- Your 20% offer only exists here. It's applied to enquiries made through Go Green Quote, not to direct bookings.
- Our guarantee sits on top of theirs. One point of contact, a same-day reply, and our written no-fix-no-fee promise.
Meet our premium contractor
The team who'll actually be in your loft: Remove Spray Foam.
We don't pass your details round a list of tradespeople. Your removal is carried out by Remove Spray Foam, a dedicated spray foam removal specialist. They call themselves the UK's largest. Here's what sits behind that:
- 1,800+ removals in 2025 alone, by a team with over 20 years' combined experience.
- 9.74 out of 10 on Checkatrade across 140+ reviews, and approved by TrustATrader too.
- No deposit, no upfront payment. You pay when the work is done.
- £5M public liability cover on every job, with your property protected throughout.
- Inspected, repaired and certified. The loft is checked after removal, damage found is repaired, a completion certificate is issued, and new loft insulation is fitted free with every removal booked this month.*
- Helping set the new PCA standard. Invited by the Property Care Association to help shape its spray foam removal scheme, announced in August 2026.
Figures as stated by Remove Spray Foam Ltd, October 2026.
The problem
Why does spray foam insulation cause problems?
Spray foam causes problems because, bonded to the roofline, it stops a surveyor inspecting the roof timbers, and open-cell foam can trap moisture against them. It was sold as an upgrade, but in the roof space it creates exactly the issues mortgage lenders and surveyors watch for.
Sprayed against the underside of the roof, the foam traps moisture against the timbers instead of letting them breathe. Over time that means condensation, damp and, in the worst cases, rotting rafters and battens. Because the foam covers the timbers completely, a surveyor can't inspect the roof structure or spot defects, so they can't sign the property off.
That's why most UK lenders now refuse to lend on foam-affected homes, and why the strictest, including several high-street names, decline them outright. A 2024 BBC investigation found that a quarter of the biggest mortgage lenders, and every equity-release lender surveyed, would not lend on a foam-affected roof (BBC, 2024). Common survey findings are open-cell foam holding damp, closed-cell foam bonded so hard it hides timber condition, and warm-roof spray that blocks ventilation.
The result is predictable: sales collapse, mortgage offers are withdrawn and valuations come back reduced or refused. The fix is professional removal to lender standard, with a certificate.
Selling
Can you sell a house with spray foam insulation?
Yes, you can sell a house with spray foam insulation, but in almost every case you'll need to remove it first. A cash buyer might proceed as-is, but the moment your buyer needs a mortgage, the lender's valuer will flag the foam and the sale stalls.
Most UK lenders won't lend on a property with spray foam in the roof until it's professionally removed and certified. So while nothing stops you listing the house, the practical route to a completed sale is to deal with the foam before or during the transaction.
Here's what lenders and buyers need: proof the foam has been removed to standard, photographic evidence of the work, and a removal certificate their surveyor will accept. You get the full documented evidence pack lenders and surveyors ask for.
Timeline matters. Your free survey is usually next day, removal is typically 1 to 3 days, and the certificate is issued the same day, so a flagged sale can be back on track within a week.
Mortgages
Mortgage refused because of spray foam?
If your mortgage or remortgage has been refused because of spray foam, you're not stuck, and you're far from alone. It's the single most common reason we're called.
Lenders refuse because the foam hides the roof structure and can trap moisture, so their valuer can't confirm the property is sound security for the loan. What they need to reverse that is straightforward: evidence the foam has been fully removed to lender standard, and a certificate their surveyor accepts.
That's exactly what we provide. We remove the foam, document the work with before-and-after photographs, and issue a removal certificate backed by a full evidence pack. Once your lender has it, the reason they refused is gone. Send your postcode and we'll reply same-day.
Valuation
How does spray foam insulation affect your property value?
Spray foam in the roof doesn't just complicate a sale, it can pull your valuation down. When a valuer can't inspect the roof structure and knows most lenders won't touch the property, they down-value it or return the valuation as unsuitable security.
That leaves owners weighing the cost of removal against the cost of doing nothing: a stalled sale, a reduced offer, or a buyer walking away. In almost every case, professional removal costs a fraction of the value knocked off an unresolved property, and it's a one-time fix that puts the home back on the market at its proper price.
Removing the foam and holding a lender-ready certificate turns a property lenders avoid into one they'll happily lend on.
How removal works
Three steps. No shopping around. No cowboys.
We've vetted a nationwide team to one standard, so wherever you are, you get the same job done right, first time.
Free survey at your home
A vetted specialist visits, inspects your loft, photographs the foam and confirms the exact removal scope in writing.
Typically next dayClean, certified removal
Our team removes every trace, protects your home and disposes of waste under our carrier's licence, start to finish.
1–3 days on siteLender-ready certificate
You get a signed removal certificate & full photographic record, exactly what mortgage lenders, surveyors and buyers need to sign off.
Same dayUp to 250,000 UK homes may be left unmortgageable by spray foam (RPSA, 2021), and a quarter of the biggest mortgage lenders now decline it outright (BBC, 2024).
The guide’s main focus is to educate and raise public awareness of potential issues surrounding spray foam, so that people can make informed decisions based on research and due diligence.
What you actually get
Not a magic certificate. The full evidence pack.
No removal company can promise every lender will say yes to a single piece of paper. What gets a decision reversed is proof, so that’s what we hand you on every job.
Complete removal
Every trace of foam stripped from the roofline, not skimmed or patched over. Waste bagged and taken away under our carrier’s licence.
Full photographic record
Before, during and after photos of the whole job, so your surveyor can see exactly what was done, and what the roof looks like underneath.
Roof & timber inspection
Once the foam’s off, the rafters and battens get checked over and any damp, rot or damage is documented in writing.
Repair invoices, where needed
If any remedial work is required, you get itemised invoices proving it was carried out, not just a promise it will be.
Independent written report
A clear written summary of the work and the condition of your roof. The paper trail lenders, surveyors and buyers actually ask to see.
A certificate is only as good as the proof behind it.
No one can promise every lender will sign off on a single piece of paper. What we can do is hand you the complete, documented evidence that lenders, surveyors and conveyancers ask for, so there's nothing left to query.
Lender-ready
Formatted the way high-street and specialist lenders expect to see it.
Fully documented
Detailed before/after photographic evidence with every removal certificate.
Industry standard
Prepared to the standards chartered surveyors and UK lenders work to.
Surveyor-ready
Built for the chartered surveyors and conveyancers who check the paperwork.
Built for the lenders you're dealing with
Formatted around what the major UK mortgage providers ask to see
Our certificate includes full photographic evidence, written confirmation the work meets industry standards, and the documentation surveyors & lenders require to sign off, no follow-ups, no delays.
Why Go Green Quote
No more cowboys. One vetted team, one standard.
Every job is carried out by our premium contractor, Remove Spray Foam, and held to one standard. You stop shopping around, we do the hard part.
Lender-ready removal
You get the certificate plus the documented evidence lenders, surveyors and conveyancers ask to see, even for lenders that refuse foam-affected homes.
Same-day reply, every enquiry
No chasing. No ghosting. You hear back the day you enquire, even at weekends.
No-fix-no-fee guarantee
If your lender or surveyor isn't satisfied with the removal, we put it right at our cost. Written guarantee, in your hand.
Fully insured & licensed
£5M public liability, registered waste carrier, full RAMS on every job. No grey-area subcontracting.
Common questions
Spray foam problems FAQs
Can I get a mortgage on a house with spray foam insulation?
Will spray foam insulation stop me selling my house?
How much does it cost to fix spray foam insulation problems?
Can a surveyor pass a house with spray foam insulation?
Who actually carries out the removal?
Nationwide coverage
Wherever the foam is. Wherever you are.
One vetted team across England, Scotland, Wales & Northern Ireland, same standard, same guarantee, in every postcode.
Free quote · No obligation
Stop your sale or remortgage stalling. Get a quote today.
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